Contactless Payment Method, Apparatus, And System

Abstract

A contactless payment method, apparatus, and system, belonging to the communications field, where the method includes obtaining a payment amount of a transaction, determining, from limit intervals corresponding to at least two default contactless payment applications, a limit interval within which the payment amount falls, obtaining an application identifier of a first default payment application, where the first default payment application is a default contactless payment application corresponding to the limit interval within which the payment amount falls, and sending the application identifier of the first default payment application to a collection terminal such that the collection terminal completes the transaction with the payment terminal using the payment application corresponding to the application identifier. Problems of a complex payment process and relatively low payment efficiency are resolved, and effects of simplifying a payment process and improving payment efficiency are achieved.

1 .- 30 . (canceled) 
     
     
         31 . A contactless payment method, applied to a payment terminal comprising at least two default contactless payment applications, wherein each default contactless payment application corresponds to one limit interval, and wherein the method comprises:
 obtaining a payment amount of a transaction;   determining, from at least two consecutive and non-overlapping limit intervals corresponding to the at least two default contactless payment applications, a limit interval within which the payment amount falls;   obtaining an application identifier of a first default payment application, wherein the first default payment application is a default contactless payment application corresponding to the limit interval within which the payment amount falls; and   sending the application identifier of the first default payment application to a collection terminal such that the collection terminal completes the transaction with the payment terminal using the payment application corresponding to the application identifier.   
     
     
         32 . The method according to  claim 31 , wherein the at least two default contactless payment applications are sequentially arranged in a payable-limit-based order or a priority-based order, and wherein before obtaining the payment amount of the transaction, the method further comprises:
 selecting, from contactless payment applications on the payment terminal, at least two contactless payment applications as the at least two default contactless payment applications;   obtaining at least one demarcation limit value; and   obtaining, according to the at least one demarcation limit value and an arrangement order of the at least two default contactless payment applications, the limit intervals corresponding to the at least two default contactless payment applications.   
     
     
         33 . The method according to  claim 32 , wherein obtaining the at least one demarcation limit value comprises obtaining at least one preset demarcation limit value as the at least one demarcation limit value. 
     
     
         34 . The method according to  claim 32 , wherein obtaining the at least one demarcation limit value comprises receiving, as the at least one demarcation limit value, at least one demarcation limit value set by a user. 
     
     
         35 . The method according to  claim 32 , wherein obtaining the at least one demarcation limit value comprises obtaining an actual payable limit of at least one of the at least two default contactless payment applications as the at least one demarcation limit value. 
     
     
         36 . The method according to  claim 31 , wherein the payment terminal further comprises a first membership card application, and wherein obtaining the payment amount of the transaction comprises:
 sending first membership card information to the collection terminal such that the collection terminal queries a preset relationship between a membership card application and membership card information according to the first membership card information in order to obtain the first membership card application corresponding to the first membership card information, and sends the payment amount to the first membership card application; and   obtaining the payment amount from the first membership card application.   
     
     
         37 . The method according to  claim 31 , wherein the payment terminal further comprises two default contactless payment applications and a second membership card application, wherein each default contactless payment application corresponds to the one limit interval, wherein two limit intervals corresponding to the two default contactless payment applications are consecutive and non-overlapping, wherein the two limit intervals corresponding to the two default contactless payment applications are obtained by dividing using a first demarcation limit value, and wherein obtaining the payment amount of the transaction comprises:
 sending second membership card information and the first demarcation limit value to the collection terminal such that the collection terminal accumulates bill amounts of a user according to the second membership card information, queries a preset relationship between a membership card application and membership card information in order to obtain the second membership card application corresponding to the second membership card information when an accumulated amount is greater than the first demarcation limit value, and sends the accumulated amount to the second membership card application using the accumulated amount as the payment amount; and   obtaining the payment amount from the second membership card application.   
     
     
         38 . The method according to  claim 31 , wherein obtaining the payment amount of the transaction comprises receiving, using a next generation system environment (NGSE) message, the payment amount from the collection terminal. 
     
     
         39 . The method according to  claim 31 , wherein obtaining the payment amount of the transaction comprises receiving, using a Near Field Communication (NFC) message, the payment amount from the collection terminal. 
     
     
         40 . The method according to  claim 31 , wherein before sending the application identifier of the first default payment application to the collection terminal, the method further comprises:
 configuring application identifiers of the at least two default contactless payment applications to be in a proximity payment system environment (PPSE); or   configuring the application identifier of the first default payment application to be in the PPSE.   
     
     
         41 . A contactless payment method, applied to a collection terminal, comprising:
 obtaining a payment amount of a transaction;   receiving application identifiers of at least two default contactless payment applications from a payment terminal, wherein the payment terminal comprises the at least two default contactless payment applications, wherein each default contactless payment application corresponds to one limit interval, and wherein limit intervals corresponding to the at least two default contactless payment applications are consecutive and non-overlapping;   obtaining an application identifier of a first default payment application according to the application identifiers of the at least two default contactless payment applications, wherein the first default payment application is a default contactless payment application corresponding to a limit interval within which the payment amount falls; and   completing the transaction with the payment terminal using the payment application corresponding to the application identifier.   
     
     
         42 . The method according to  claim 41 , wherein obtaining the application identifier of the first default payment application comprises:
 obtaining the limit intervals corresponding to the at least two default contactless payment applications; and   setting, as the application identifier of the first default payment application according to a preset correspondence between a contactless payment application and a limit interval, an application identifier of the default contactless payment application corresponding to the limit interval within which the payment amount falls.   
     
     
         43 . The method according to  claim 41 , wherein obtaining the application identifier of the first default payment application comprises:
 determining, according to the application identifiers of the at least two default contactless payment applications, bank card types corresponding to the at least two default contactless payment applications;   determining, according to a preset correspondence between a bank card type and a limit interval, a bank card type corresponding to the limit interval within which the payment amount falls; and   setting an application identifier corresponding to the determined bank card type as the application identifier of the first default payment application according to the determined bank card type.   
     
     
         44 . A payment terminal, comprising at least two default contactless payment applications, wherein each default contactless payment application corresponds to one limit interval, and wherein the payment terminal further comprises:
 a memory storing instructions; and   a processor coupled to the memory, wherein the instructions cause the processor to be configured to:
 obtain a payment amount of a transaction; 
 determine, from at least two consecutive and non-overlapping limit intervals corresponding to the at least two default contactless payment applications, a limit interval within which the payment amount falls; 
 obtain an application identifier of a first default payment application, wherein the first default payment application is a default contactless payment application corresponding to the limit interval within which the payment amount falls; and 
   send the application identifier of the first default payment application to a collection terminal such that the collection terminal completes the transaction with the payment terminal using the payment application corresponding to the application identifier.   
     
     
         45 . The payment terminal according to  claim 44 , wherein the at least two default contactless payment applications are sequentially arranged in a payable-limit-based order or a priority-based order, and wherein before obtaining the payment amount of the transaction, the instructions further cause the processor to be configured to:
 select, from contactless payment applications on the payment terminal, at least two contactless payment applications as the at least two default contactless payment applications;   obtain at least one demarcation limit value; and   obtain, according to the at least one demarcation limit value and an arrangement order of the at least two default contactless payment applications, the limit intervals corresponding to the at least two default contactless payment applications.   
     
     
         46 . The payment terminal according to  claim 45 , wherein when obtaining the at least one demarcation limit value, the instructions further cause the processor to be configured to:
 obtain at least one preset demarcation limit value as the at least one demarcation limit value;   receive, as the at least one demarcation limit value, at least one demarcation limit value set by a user; or   obtain an actual payable limit of at least one of the at least two default contactless payment applications as the at least one demarcation limit value.   
     
     
         47 . The payment terminal according to  claim 44 , further comprising a first membership card application, and wherein when obtaining the payment amount of the transaction, the instructions further cause the processor to be configured to:
 send first membership card information to the collection terminal such that the collection terminal queries a preset relationship between a membership card application and membership card information according to the first membership card information in order to obtain the first membership card application corresponding to the first membership card information, and sends the payment amount to the first membership card application; and   obtain the payment amount from the first membership card application.   
     
     
         48 . The payment terminal according to  claim 44 , further comprising two default contactless payment applications and a second membership card application, wherein each default contactless payment application corresponds to the one limit interval, wherein two limit intervals corresponding to the two default contactless payment applications are consecutive and non-overlapping, wherein the two limit intervals corresponding to the two default contactless payment applications are obtained by dividing using a first demarcation limit value, and wherein when obtaining the payment amount of the transaction, the instructions further cause the processor to be configured to:
 send second membership card information and the first demarcation limit value to the collection terminal such that the collection terminal accumulates bill amounts of a user according to the second membership card information, queries a preset relationship between a membership card application and membership card information in order to obtain the second membership card application corresponding to the second membership card information when an accumulated amount is greater than the first demarcation limit value, and sends the accumulated amount to the second membership card application using the accumulated amount as the payment amount; and   obtain the payment amount from the second membership card application.   
     
     
         49 . The payment terminal according to  claim 44 , wherein when obtaining the payment amount of the transaction, the instructions further cause the processor to be configured to:
 receive, using a next generation system environment (NGSE) message, the payment amount from the collection terminal; or   receive, using a Near Field Communication (NFC) message, the payment amount from the collection terminal.   
     
     
         50 . The payment terminal according to  claim 44 , wherein before sending the application identifier of the first default payment application to the collection terminal, the instructions further cause the processor to be configured to:
 configure application identifiers of the at least two default contactless payment applications to be in a proximity payment system environment (PPSE); or   configure the application identifier of the first default payment application to be in the PPSE.